Retire on Your Terms.
We’ll Show You How.
Plain-English retirement education for Americans who want real answers about annuities, Social Security timing, RMDs, and income planning — without the jargon or the sales pitch.
Chris Duncan
Three Pillars of a Confident Retirement
Most Americans make permanent retirement decisions with temporary information. We fix that.
Social Security Strategy
When you claim Social Security is a six-figure decision. We break down the math for your specific situation so you can time it right — not just take it at 62 because everyone else does.
Annuity Education
Not all annuities are created equal. We show you which ones protect your money, which ones grow it, and which ones you should run from — in plain English, no fine print.
Retirement Income Planning
RMDs, tax strategies, income sequencing, and making sure you don’t outlive your money. We build a retirement income plan that works for your life — not a template.
Nearly 20 Years of Helping Americans Retire with Confidence
I’ve spent my career watching Americans make retirement decisions they can’t undo — wrong annuities, bad Social Security timing, missed tax strategies, and penalties that follow them for life.
Retire Wise School was built to fix that. I believe retirement education should be free from jargon, free from pressure, and available to everyone. Every consultation is free. Every conversation is in plain English. Every recommendation is built around your life — not a quota.
I’m also the founder of Veterans Advantage Financial™, where my organization has helped thousands of veterans navigate Medicare and retirement planning. Retire Wise School extends that same education-first philosophy to all Americans approaching retirement.
Services Built Around Your Retirement
Every service comes with one promise: we explain it until it makes sense.
Annuity Education & Placement
We analyze your situation, explain the types of annuities that fit your goals, and help you choose one that protects your retirement — not one that pays us the highest commission.
Social Security Timing Strategy
When to claim is a $100,000+ decision. We run your numbers, factor in your health, spousal benefits, taxes, and retirement income to find the timing that works for you.
RMD & Tax Protection
Required Minimum Distributions can trigger tax bombs if you’re not prepared. We help you plan distributions, Roth conversions, and strategies that keep more money in your pocket.
Reverse Mortgage Education
Reverse mortgages aren’t what they used to be. We explain how modern HECMs work, who they help, who they don’t, and whether it makes sense for your retirement plan.
Retirement Income Planning
Social Security, pensions, annuities, investments, rental income — we build a plan that sequences every income source so your money lasts as long as you do.
Life & Final Expense Insurance
Protect your family and cover final expenses without overpaying. We shop the market, explain the options, and help you choose coverage that fits your budget and your goals.
Retirement Starts with Medicare. So Do We.
Most Americans don’t realize that Medicare is the first — and most permanent — retirement decision they’ll make. Enroll wrong, and you’ll pay penalties for life. Miss a window, and there’s no reset button.
We’ve been doing this for nearly 20 years. Chris Duncan is a Certified Medicare Insurance Planner™ and the author of Medicare for Veterans: The Complete Field Guide. His organization has helped veterans and civilians across all 50 states navigate Medicare enrollment, avoid penalties, and make their benefits work harder.
Whether you’re turning 65, aging off an employer plan, or coordinating Medicare with TRICARE, VA benefits, or FEHB — we’ve seen your situation before. And we speak plain English.
Medicare for Veterans:
The Complete Field Guide
Written by Chris Duncan. Read by thousands of veterans and civilians who needed straight answers about Medicare — not jargon.
Read It Free →Medicare Services We Provide:
- Medicare enrollment guidance (Parts A, B, C, D)
- Medicare Advantage plan education
- Part B penalty avoidance
- TRICARE + Medicare coordination
- VA benefits + Medicare coordination
- FEHB + Medicare strategy
- Medigap (Supplement) education
Let’s Talk About Your Retirement
Whether you’re 5 years out or 5 months out, a 15-minute conversation can save you thousands. No cost. No obligation. Just answers.
Phone
Hours
Monday – Friday, 9 AM – 5 PM Pacific
Coverage
Licensed in all 50 states